Investment options of CUSTOMINK, LLC 401(K) SAVINGS PLAN
Total Available Funds: 57
| Investment Option List |
|---|
| American Funds 2020 Target Date Retirement Registered Investment Company $ – (RECTX) |
| American Funds 2030 Target Date Retirement Registered Investment Company – (REETX) |
| American Funds 2040 Target Date Retirement Registered Investment Company – (REGTX) |
| American Funds 2050 Target Date Retirement Registered Investment Company – (REITX) |
| American Funds 2060 Target Date Retirement Registered Investment Company – (CCKTX) |
| American Funds New World Registered Investment Company – (HVWBX) |
| Fidelity 500 Index Registered Investment Company – (FRESX) |
| Fidelity Advisor International Growth Registered Investment Company – (FIIIX) |
| Fidelity Contrafund Registered Investment Company – (FCNTX) |
| Fidelity Inflation Protected Bond Registered Investment Company – (FINPX) |
| Fidelity Small-Cap Index Institutional Premium Registered Investment Company – (FSSVX) |
| Fidelity FTSE Social Index Registered Investment Company – (VFTNX) |
| Fidelity Mid-Cap Index Registered Investment Company – (FIIMX) |
| JP Morgan Large Cap Growth Registered Investment Company – (SNIGX) |
| MFS Conservative Allocation Registered Investment Company – (MACIX) |
| MFS Growth Allocation Registered Investment Company – (MAGJX) |
| MFS International Value Registered Investment Company – (MINIX) |
| MFS Mid-Cap Value Registered Investment Company – (MCVIX) |
| MFS Moderate Allocation Registered Investment Company – (MMAIX) |
| MFS International Growth Registered Investment Company – (MQGIX) |
| PGIM High Yield Registered Investment Company – (PHYEX) |
| T. Rowe Price New Horizons Registered Investment Company – (PRNHX) |
| T. Rowe Price Value Registered Investment Company – (TRVLX) |
| Vanguard Equity-Income Registered Investment Company – (VEIPX) |
| Vanguard Growth and Income Registered Investment Company – (VQNPX) |
| Vanguard Growth Index Registered Investment Company – (VQNPX) |
| Vanguard Mid-Cap Growth Registered Investment Company $ – (VMGIX) |
| Vanguard Short-Term Investment-Grade Registered Investment Company – (VFSTX) |
| Victory Sycamore Small Company Opportunity Registered Investment Company – (VSOIX) |
| American Funds AF 2020 Target Date Retire R6 (RECTX) |
| American Funds AF 2030 Target Date Retire R6 (REETX) |
| American Funds AF 2040 Target Date Retire R6 (REGTX) |
| American Funds AF 2050 Target Date Retire R6 (REITX) |
| American Funds AF 2060 Target Date Retire R6 (CCKTX) |
| American Funds New World Fund R6 (HVWBX) |
| Fidelity Advisor Int'l Growth Cl Z |
| Fidelity 500 Index (FUSEX) |
| Fidelity Small Cap Index (FSISX) |
| Fidelity Contrafund (FCNTX) |
| Fidelity Inflat-Protected Bond Index Premium (FIPDX) |
| Fidelity Mid Cap Index (FIIMX) |
| JP Morgan JP Morgan Large Cap Growth Cl R6 (SNIGX) |
| MFS Mid Cap Value R4 (MCVIX) |
| MFS Growth Allocation R4 (MAGJX) |
| MFS International Growth R4 (MQGIX) |
| MFS Conservative Allocation R4 (MACIX) |
| MFS Intl Intrinsic Value R4 (GMVMX) |
| MFS Moderate Allocation R4 (MMAIX) |
| T Rowe Price T Rowe Price New Horizons Fund (PRNHX) |
| T Rowe Price T Rowe Price Value (TRVLX) |
| Vanguard FTSE Social Index Adm (VFTNX) |
| Vanguard Growth & IncomeAdm (VQNPX) |
| Vanguard Equity Income Adm (VEIPX) |
| Vanguard Mid Cap Growth Index Adm (VMGIX) |
| Vanguard Growth Index Adm (VTGLX) |
| Vanguard Short Term Invesment Grade Adm (VFSTX) |
| Victory Victory Sycamore Small Co. Opportunity I (VSOIX) |
Investment model portfolios
We provide two types of investment model portfolios for CUSTOMINK, LLC 401(K) SAVINGS PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for CUSTOMINK, LLC 401(K) SAVINGS PLAN